The shift in hurricane impacts highlights the growing threat of secondary hazards, particularly inland flooding, which can devastate areas far from the coast. Insurers are grappling with the challenge of assessing risks beyond wind damage, as secondary perils increasingly contribute to major losses. For instance, Hurricane Milton in 2024 spawned 45 tornadoes in Florida, leading to insured losses of up to $50 billion. Communities with lower flood preparedness and awareness are particularly vulnerable, and even lower-category storms can cause catastrophic outcomes. This evolving risk landscape underscores the need for updated catastrophe models and better forecasting tools to anticipate impacts beyond traditional metrics.